Obviously, my cash flow is on the low side after my cruise. It ended up costing about $700 total, which ate up the majority of my tax refund.
So it's back to the grindstone as far as budgeting is concerned. Here are some bright spots:
1. I just transferred my old Visa balance to a new 0% interest rate card. I am going to make $200 payments per month (more than double the minimum amount due) so that I can get the debt down to about $1,000 in a year. That is sooooo much more manageable. Once it's that low, I should have it paid off completely six months later. In theory.
2. April = mild temperatures = low electricity bill.
3. I have already paid off the cruise. Entirely. WOOT -- that was hard to do, but I decided to be the responsible adult for once. Go me.
There are some challenges:
1. I would like to get a part time job. It would be strictly for savings account/credit card debt purposes. But how can I find a part time job that won't interfere with my gym/exercise regime? I need to have time to work out. And it needs to be a job that won't leave me totally exhausted, so that I can still hit the gym afterwards. Anyone have any good ideas? Here is a list I have made of ideas:
* could try to be a Clinique girl again. Plus: free makeup! Downside: putting makeup on some people is gross. (Have I told you my stories??) And if you've ever worked retail, you know that it has its own type of suckage.
*I could wait tables. Plus: lots of exercise while I work! Downside: I come home smelling like food. And say good-bye to weekends. And getting enough sleep.
*I could be a PT librarian at another library. Plus: It pays very well, and the work is easy. Plus, libraries are always cold in the summer. Downside: Even more sitting on my ass, being bored. And one library here in town is still pissed at me for quitting, so I know they won't even consider hiring me back.
2. If I got rid of my Internet at home, it would save me $45 per month. That adds up quickly. I would love to get rid of my Internet at home, especially since I never use it. CN already told me that if I needed to, I can use his computer for Internet. So what's the problem? I use my computer to charge my iPod and use iTunes so that I can work out. I canNOT exercise without music. No Internet = no iPod = no exercise = fat VB. And that cannot happen. Does anyone know how I can get around this? CN's work computer won't let me use iTunes and his USB ports are broken, anyway. So using my iPod at his house is out for now. And I don't want to leave my iPod at work to charge. Obviously. Does anyone know if you can still charge your iPod even if you don't have Internet???
And there are some goals:
1. I have another credit card, which has a balance that is quickly getting away from me. It's hovering around $6000. I know that's not that bad, but I need to get a hold of it. Because it's nothing to be proud of, either. The bad news? The APR is......oh, jeez, I am embarrassed to say. It's a long story. Anyway, I think I need to transfer this $6000 balance to my old Visa (the one whose balance I just transferred to the 0% card), because the old Visa's only got a 9.9% interest rate. Which is much better than the current rate. Am I correct in saying that this is a good idea? Or will this look weird on my credit report?? At least the balance won't be growing astronomically anymore, right? It will just be....you know, about 50% slower.
Are you loving it that I am asking my readers to be my pseudo-financial-advisors? LOL
Anyway, this sounds like a good idea in theory, so I am going to call the old Visa peeps on Thursday to ask about transferring this $6000 balance onto my recently-emptied card.
I am on a mission to be in less debt on December 31st than I was at the beginning of this year. I am determined to pay down these credit card balances!! And maybe even have a savings account again!
On a totally unrelated note, have I told y'all that MJ has no credit card debt? And that CN has ZERO credit cards? Yeah. My freak of a boyfriend has no credit cards. The only debt he has is his mortgage and his car payment. He doesn't even have any school loans from college left -- he already paid them all off. He is obviously concerned about my credit card debt. And I am, too. But I keep trying to tell him that most people have far more debt than I do.